It is not actually an identity theft but please read and help me.
I had a girlfriend 2 years ago who was an international student and did not have enough credit to buy a cellular phone. Since I needed and wanted her to have a cell phone I made one for her. I live in illinois and she lived in New york. We were along distance couple. Today I found out at a car dealer when I run a credit check that there is a delinquent charge of $615!!
I broke up with that girl almost a year and a half ago and I am not even sure if she is still in the USA.
Should I dispute this charge as an identity theft case?
This charge lowered my credit score from 720s to 620s and I could not get a good rate for my new car either. I heard that this things stay as long as 7 years. I do not know what to do please help me.

Tesha

I was pre-approved thru the computer the lender put my info in 5/3 bank. My credit score pulled up as 537 and there are collections on there worried about qualifying. Will the underwriter even understand or am i just wasting my time help please.

Gia

I had ID theft in 2006 so my credit is on lock-down. Because the Note is on my credit, now I cannot get online credit reviews but have to do them through the mail, which is fine, but i don’t know how to get the SCORE.
Any ideas?

Aline

I checked my credit report and found a few things on there that I didn’t do or have no knowledge of. They told me to go somewhere to make a report or whatever (I forgot where). Do I just go to my local sheriff dept and report a claim there or what? I really want to fix this so I can be able to get loan and stuff and get my credit score up. Thanks!!

Brady

I read in many places that it hurts your credit score to close accounts for many reasons. If you just leave them open and shred the cards, aren’t you setting yourself up for identity theft?

Francene

Mother stole my identity and i was able to fix the problem. all 7 credit cards that i owed due to the theft was removed.

My question is, can i ask the credit report agencies to increase my credit score because i never opened these credit cards and i have documents to prove it.

i figure since all of them were removed that i could have my points back that i once had. i had about 750 then due to the identity theft i now am left with 450 points.

Hank

I asked a question about closing accounts for credit score reasons and have been educated on that topic. My next question is if you have open accounts that you don’t use or if you have many open, does it raise your chances for identity theft? Also how do they get your information?

Kylee